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Presale: Ruby Bond Trust 2020-1

The preliminary ratings assigned to the floating-rate residential mortgage-backed securities (RMBS) to be issued by AMAL Trustees Pty Ltd. as trustee of Ruby Bond Trust 2020-1 reflect the following factors. The credit risk of the underlying collateral portfolio, which predominantly comprises residential mortgage loans to nonresidents of Australia, and the credit support provided to each class of notes are commensurate with the ratings assigned.

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